Who the Financial Plan is for
People whose pensions, property, business, children and stop date all affect each other.
People whose pensions, property, business, children and stop date all affect each other.
How much you take out, whether the business funds your retirement, and what happens to your own money if you sell it or keep it. See financial planning for business owners.
Decisions made in this period still change the outcome: another year of contributions, a different stop date, a State Pension gap filled.
Schemes from different jobs, added together and tested against what you plan to spend.
A rental, a holiday let, or a home you plan to downsize from. Property affects tax, timing and how quickly you can reach the money.
A deposit, a wedding or school fees, modelled before you commit to them.
A sale, an inheritance, a divorce, a redundancy or a diagnosis.
StepChange, National Debtline and MoneyHelper give free, independent debt help today. Contact details.
One job, one pension, renting, no dependants: use the free projection and the free tools at Buzz Money Coach.
Choosing a pension, fund or insurer is regulated advice. We can introduce you to Equity & General, authorised and regulated by the FCA (No. 474163). The introduction is optional, and we tell you about E&G's commission to Buzz before it.
Managing or holding your money is regulated work for an authorised firm. Buzz Accounting Ltd does neither. See financial planning without investment management.
A person with £1.5m and modest spending can absorb most poor decisions. A person with £280,000 across three pensions, a business that may or may not sell and a chosen stop date has less margin, so each decision changes the outcome more.
Planning in the ten years before you stop work leaves time to act: another year of contributions, a different stop date, a business prepared for sale, a State Pension gap filled while you can still fill it.
The Healthcheck shows your recorded spending in about two minutes, and the free projection gives a rough result in another two. If both show a comfortable position, you have your answer at no cost.
An hour with a planner on whether the Financial Plan suits your position.
A written plan: every year to age 100 with UK tax applied, each risk measured in years, and your next ninety days.